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Standard loans

On this page you can view our current loan auctions, both for standard personal loans as well as a range of more specialised loans for specific purposes.

You will notice that each loan auction is marked by a credit rating category, ranging from AA till D-. These credit ratings indicate your level of risk should you choose to invest in that borrower's loan auction. These ratings are based on our unique verfication and evaluation process that we use to assess each loan application.

Minimising risk is key to our and your success, so we are constnatly fine-tuning our screening processes taking the best parts of the traditional methods used by banks and enhancing it through the use of new technologies and a more diverse set of evaluation criteria.

A borrower's credit risk category also determines the recommended interest rate we provide for each loan auction. However. these are only recommendations and you are free to offer a borrower whatever interest rate you feel is appropriate during their loan auction.The final rate interest rate for the borrower's loan is the combined weighted average of all the offers made by the investors, which are used to fund their loan.

Each loan auction contains all of the necessary information about the borrower, including a short story about them and why they are applying for a loan. Our work prior to a borrower's loan auction meakes it easy for you to choose which loans to invest in and what interest rate you want to offer a borrower. Also, because you are dealing with real people, not banks, if you have a question about anything at all you can simply ask the borrower for further details in their loan auction.

Keep in mind that when investing in peer-to-peer loans you risk your capital as it does not apply any protective mechanism. You can learn more about the risks of peer-to-peer lending and the Žltý melón transparent approach on this page or in the Prospectus of the User. Investors should study both the Prospectus and the The Conflict of Interest before they invest.

Strategic investor: EU-JEREMIE-Fund. Žltý melón is supported by the European Investment Fund as an equity investor through the JEREMIE initiative. You can learn about our company in the section
About us.

When you connect to the Žltý melon portal and working on your investment, auctions, loans, and personal data all data are transmitted encrypted by SSL (Secure Sockets Layer). This ensures that the your information will reach us as you entered it and no one else will read them.